Product Manager - Cash Loan
Job Summary
Job Description
This role is for a Product Manager specializing in Cash Loan products and services within the fintech sector. You will collaborate with Engineers, Analysts, Designers, and Project Management to build and manage new features for Buy Now Pay Later and Cash Loan services, accessible via API or a Superapp. Key responsibilities include delivering world-class product solutions in lending, integrating data sources and third-party vendors, ensuring tech team understanding of specifications, optimizing user experience, security, and regulatory compliance, and managing stakeholder partnerships. You will also need to understand evolving consumer and merchant needs to tailor the product accordingly. The ideal candidate will have at least 5 years of experience with front-end and mid-backend systems, including end-to-end flow design, funnel optimization, API development, and event tracking. In-depth knowledge of lending industry best practices, SDLC, Agile methodologies, and a solid technical foundation are essential. Excellent communication skills are required for regional stakeholder interaction.
Must have:
- 5+ years experience with technical and business teams
- Focus on front-end and mid-backend systems
- Expertise in end-to-end flow design
- In-depth knowledge of lending industry best practices
- Familiarity with SDLC and Agile methodologies
- Solid technical foundation for mid-end system connection
- Independent, analytical thinking
- Excellent communication skills for regional stakeholders
Good to have:
- Funnel optimization
- Cross-system implementation
- API development
- Product solutions
- Event tracking
- Consumer, Merchant, Banking, multi-finance, and Vehicle lending expertise
- Experience in various development stages including testing and UI/UX design
- Comprehensive understanding of end-to-end system architecture
6 skills required
Job Details
About the Role
Our division offers Buy Now Pay Later and Cash Loan services to enable our customers to achieve their financial business goals through our financial services. We make these services available to other businesses through partnerships via API services or our Superapp, which provides a range of services including e-commerce, payments, courier services, ride-hailing, and food delivery.
You will collaborate closely with Engineers, Analysts, Designers, and Project Management to build and manage new and exciting features, primarily focused on Cash Loan products and services. These features will enable us to provide credit access to a vast number of active users.
What You Will Do
- Build and deliver world-class product solutions in the fintech sector, specializing in customer, merchant, or vehicle lending.
- Plan, execute & integrate data source, third-party vendor, and front-end engine to our Mid-end services, empowering digital payment for products in the region.
- Ensure the tech team understands the specifications to deliver a quality product.
- Ensure optimal user experience, security & compliance with regulations.
- Stakeholder management, Partnership & collaboration across the region
- Understand the evolving needs and challenges of the consumer and merchants, and tailor the product to meet those needs
What You Will Need
- Minimum of 5 years of practical experience collaborating with technical and business teams, with a strong focus on front-end and mid-backend systems. This includes expertise in end-to-end flow design, funnel optimization, cross-system implementation, API development, product solutions, and event tracking.
- In-depth knowledge of best practices within the Lending industry (Consumer, Merchant, Banking, multi-finance, and Vehicle lending), particularly the Cash Loan sector.
- Familiarity with SDLC, Agile methodologies, and experience in various development stages, including testing and UI/UX design.
- Solid technical foundation to connect our mid-end system with the go-to-market product.
- Independent, analytical thinking, and a comprehensive understanding of the end-to-end system architecture.
- Excellent communication skills for interacting with regional stakeholders.
About the Team
Become part of a passionate and open-minded team, working across multiple locations and cultures. Our shared goal is to build and manage a comprehensive suite of macro services that support diverse financial business types.
About GoTo Group
GoTo Group is the largest digital ecosystem in Indonesia with its mission to “Empower Progress’ by offering technological infrastructure and solutions for everyone to access and thrive in the digital economy. The GoTo ecosystem consists of on-demand transportation services, food and grocery delivery, logistics and fulfillment, as well as financial and payment services through the Gojek and GoTo Financial platforms.It is the first platform in Southeast Asia that hosts these crucial cases in a single ecosystem, capturing the majority of Indonesia’s vast consumer household.
About Gojek
Gojek is Southeast Asia’s leading on-demand platform and pioneer of the multi-service ecosystem with over 2.5 million driver partners across the regions offering a wide range of services such as transportation, food delivery, logistics and more. With its mission to create impact at scale, Gojek is committed to resolving consumer problems and raising standards of living by connecting consumers to the best providers of goods and services in the market.
About GoTo Financial
GoTo Financial accelerates financial inclusion through its leading financial services and merchants solutions. Its consumer services include GoPay and GoPayLater and serve businesses of all sizes through Midtrans, Moka, GoBiz Plus, GoBiz, and Selly. With its trusted and inclusive ecosystem of products, GoTo Financial is open to new growth opportunities and aims to empower everyone to Make It Happen, Make It Together, Make It Last.
GoTo and its business units, including Gojek and GoToFinancial ("GoTo") only post job opportunities on our official channels on our respective company websites and on LinkedIn. GoTo is not liable for any job postings or job offers that did not originate from us. You should conduct your own due diligence to prevent being victims of any fake job scams, if they did not originate from GoTo's official recruitment channels.
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About The Company
GoTo is the largest technology group in Indonesia, combining on-demand and financial services through the Gojek and GoTo Financial brands. It is the first platform in Southeast Asia to host these two essential use cases in one ecosystem, capturing a majority of Indonesian consumer household expenditure.
GoTo’s mission is to “Empower Progress” by offering an unparalleled selection of goods and services through a comprehensive merchant and partner network and promoting financial inclusion through its leading payments and financial services business.
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